Cash Rewards Visa

You earn 1% cash back with every purchase made with your Cash Rewards Visa.

	Elements Cash Rewards Visa	Elements Signature Rewards Visa	Indianapolis Indians Signature Rewards Visa	Elements Platinum Visa
	Apply Now	Apply Now	Apply Now	Apply Now
Key Benefit	Earn cash back for purchases1	Earn rewards for purchases, e.g. travel and gift cards	Pay with pride and support the Indianapolis Indians, plus earn rewards for purchases	Pay off your balance sooner with a low rate
Intro APR for 6 months for Purchases & Balance Transfers5	0%	0%	0%	0%
Variable APR After 6-month Intro Period	17.49%3	15.49%6	15.49%7	13.49%8
Cash Back Offer2	$200 cash bonus	$200 cash bonus	$200 cash bonus	$200 cash bonus
Rewards	Earn 1% cash back on every eligible purchase with Pure Perks1	Features Pure Perks Rewards where you can earn 1.50 points to the dollar with every purchase.9	Features many special perks for you to enjoy at Victory Field and our Pure Perks Rewards program where you can earn 1.50 points to the dollar with every purchase.10	—
Balance Transfer Fee	None4	None11	None12	None4
No Annual Fee
Special Feature	—	No international transaction fee	No international transaction fee plus $100 Donation to support the Indianapolis Indians Charities13	No late payment fee
Auto Rental Collision Damage Waiver
Cardholder Inquiry Service
Emergency Card Replacement
Lost or Stolen Card Reporting
Purchase Security
Zero Liability Policy
Roadside Dispatch
Travel & Emergency Assistance Services
Travel Accident Insurance	Covering up to $100,000	Covering up to $250,000	Covering up to $250,000	Covering up to $100,000
Lost Luggage Replacement	—			—
Extended Warranty Protection	—			—
Year-end Summary Statement	—			—
	Apply Now	Apply Now	Apply Now	Apply Now

There’s nothing special to do — Pure Perks gives you an opportunity to earn points just for using your card! You can redeem those points for statement credits, gift cards, and travel.

How it Works

With your Cash Rewards Visa, you'll earn 1 point per $1 for every eligible purchase.¹⁴ Earn points while on family trips, shopping at the grocery store, making home improvements — nearly anything. Each month, your statement will reflect the points you've earned and total points accumulated. You can redeem your points starting as low as $25.¹⁵

View Available Rewards

If you'd like to preview what rewards are available, visit the rewards portal page and browse through the travel, gift card, and cash reward options. You do not need a login to browse.

Your Points Balance

To view your current point balance or to redeem points, log in to Online Banking on your computer or via the mobile app. Click on your credit card account tile on the homescreen or  in the navigation menu on the left click “Loan & Credit Cards” then “Manage Visa Card.”

Learn More about Pure Perks

Chip Cards

Get big protection in a tiny chip. Elements credit cards have chip technology built right in. This tiny chip will protect your card's information in a big way. When you use your chip card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This helps prevent stolen data from being fraudulently used. Plus, you're protected against unauthorized use with Visa's Zero Liability Fraud Protection.

Fraud Alerts

We offer near real-time fraud alerts for all Elements credit cards. With a quick text alert, you can help prevent fraudulent transactions from occurring on your cards. The service is free, and your card is automatically enrolled! How it works:

• A text message will be sent to your mobile device when there is a suspicious transaction identified on your account. 
• Simply reply to confirm whether or not you recognize the transaction(s).
• If you let us know that you do not recognize the transaction(s), we will block usage of your card until we hear from you.
• If you reply that you recognize the transaction(s), your card will remain available for use.
• If we don’t receive a response from you for the text message, we will reach out to you through email and phone to verify the suspicious transaction.
• If you would like to opt out of this service, just reply STOP to the text alert, or call us at 1-800-621-2105.

Transaction Alerts with Card Control

Card Control is a companion app to our Online Banking app that allows you to control when, where, and how your Elements credit and debit cards are used. Instantly turn them off and on, set controls on usage, and establish alerts for a variety of card activities. Learn more about Card Control.

Online Shopping Secured with Visa

Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card. There’s no need to download anything, install software or register. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps Elements know you’re really you and most importantly it protects you from fraud.

No Balance Transfer and Annual Fees⁴

The Cash Rewards Visa has NO balance transfer fees and NO annual fee! That means you can transfer a balance you have from another credit card to your new Cash Rewards Visa with no added charges. You also will not have an annual fee with this credit card.

No Penalty APR/Pricing

The Signature Rewards Visa does not apply a penalty APR, also known as penalty pricing. A penalty APR is an increased annual percentage rate that issuers may charge when a cardholder is late on payments. This can be put in place as soon as just one missed payment. A typical penalty APR is 29.99 percent, but it may be lower on some credit cards.

International Transaction Fees

When you travel internationally, you will be charged a fee of 1% of the charged amount for each international transaction. 

Late Payments

If you are late making a payment, you can be charged a late fee of up to $25.

Loss of Introductory Rate

It’s important that you make your payments on time. Otherwise, we may end your introductory rate and apply the standard APR disclosed above if you make a late payment.

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally¹⁶. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

Our technology makes banking with Elements easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

Get Started

Getting started is easy!

1. Apply for a card online - You can apply online in as little as 10 minutes! Or call 1-800-621-2105 to get started. Have your government-issued ID (driver’s license, state ID, or passport) and your Social Security number ready.
2. Check your email - You will receive an email within one business day to notify you of account approval or gather additional information that may be needed. 
3. Get your card in the mail - Once approved, you'll receive your Cash Rewards Visa® in the mail within 10-14 days.
4. Enroll in online banking - Easily make payments on your credit card, check other Elements balances, pay bills and transfer money between accounts from your smartphone, tablet, laptop or desktop with Elements online banking and our mobile app. 

Apply Now   Enroll in Online Banking

Hint: Download the super-helpful Card Control app.

You can set up alerts about your credit card using the Card Control app. The Card Control app is a companion app to the Elements Online Banking app that allows you to control when, where, and how your Elements credit and debit cards are used. Instantly turn them off and on, set controls on usage, and establish alerts for a variety of card activities.

• Locations – set alerts to notify you if a debit card transaction occurs in an unexpected location, such as outside the US, or even in-store if your device isn’t present during the transaction.
• Merchant Types – receive a notification when your Elements credit or debit cards are used at specific merchant types like retail stores, gas stations, grocery stores, restaurants, etc.
• Transaction Types – get an alert when your card is used for specific transaction types, such as in-store, online, mail/phone order, auto pay, or at an ATM.
• Spending Limit – set spend alerts to know if your Elements credit or debit card has had a transaction that exceeds a set limit or when your monthly limit has been exceeded.

How to Set Card Control Alerts

1. On the opening screen of the Card Control app, click on the card for which you want to set an alert.
2. On the next screen, select “Controls & Alerts,” then “Alert Preferences.”
3. On the line that says “Send alerts for,” tap the button on the right (the button will say “None” if you have no alerts set).
4. If you’d like to receive alerts for all card transactions, choose “All Transactions” in the drop-down.
5. To select which alerts you‘d like to receive, choose “Selected Transactions” in the drop-down. Then click on the type of alert you’d like to set (Locations, Merchant Types, Transaction Types, or Spend Limits) and follow the prompts.
6. That’s it, your alerts are set! You will receive the alerts you set up in the Card Control app via a push notification that pops up on the home screen of your mobile device.

How to Get the Card Control App

If you don’t already have the Card Control app, you can download the app from your mobile device in Google Play or the Apple Store. Make sure you are already an active user of the Elements mobile app before downloading the Card Control app. Get complete installation instructions here.

How can I activate my credit card?

To activate your credit card, call 1-888-691-8661.

How do I make a credit card payment?

You can make your Elements credit card payments in several convenient ways. Call us with questions at 1-800-621-2105.

Pay your Elements credit card within online banking or the mobile app. 

• Log in, go to the Loans & Credit Cards menu and choose Manage Visa Card, or click your credit card account tile in your list of accounts. 
• You can make a one-time or recurring payment from your Elements account or other bank or credit union account.
• You can also set up automatic payments to be paid each month to avoid missing your payment and a possible late fee.

Mail a credit card payment. Make your check payable to:
Elements Financial FCU
PO Box 37035
Boone, IA 50037-0035

What do I do if my card is lost or stolen?

To report your credit card lost or stolen, please use Live Chat or call us toll-free at 1-866-570-1238.

I’m planning to travel and don’t want my purchases to be declined. How can I prevent that?

We understand that can be a frustrating experience! Elements offers 24/7 fraud monitoring on credit and debit cards. In order to ensure transactions you perform while traveling do not falsely trigger any fraud detection services, we recommend you advise us of your travel plans in advance. You can set the travel notification on your Elements credit card within online banking.

• Log into online banking at dlokoko.com
• Click on the account tile for the credit card you'd like to set a travel notification on
• Select the "Account Services" menu
• Click on "Travel Center"
• Enter necessary travel information and submit

Or call us at 1-800-234-5354 to set up the travel notification.